Analysis On The Factors Affecting Trust Financial Product Yield In China's Commercial Bank

In the context of global financial crisis, the overall financial products market is slumping. Besides strict control of China's banking credit scale, people have strong personal financial needs, which make the development of Trust wealth management products advances more quickly, and then present a scene in short supply. With the growing prosperity of the Trust financial markets, the awareness of investors about the Trust financial products is rising up until to a high security and stability yield. And the investment value has slowly emerged. However, maintaining a cool head while seeing the hot sales'heat can not be ignored. there is still a huge gap between ours and the same thing abroad. Many factors such as Separate operation management system, the Misunderstanding of financial services, the insufficient integration, and the lack of professional financial personnel and so on, have already been the barrier which helps to disturb the Personal Financial development of China's Business Bank.Besides google through "China Journal Net," "Articles Dissertation Database" and other electronic resources and related Chinese and foreign periodicals, this paper takes the "rolling" method to collect classic works related and views of the well-known economists. The next step is turning up to foundation analysis, which can detail to surfing the latest information about financial product on the net, digging out the typical characters and comparing their similarities and differences. Finally, it went up to a multiple regression analysis through using SPSS16.0 software data collected, and generalize the research results.Among 450 sorts of Trust wealth management products collected, this paper specially chooses several variables, such as the bank's credit level, financial period, earning type, capital guarantee, Risk and mobility, etc. to play the role of explained variables for expected return rate. Eventually we get the following conclusion by multiple regression analysis. firstly, the expected return rate is relevant to the investment period, but negatively correlated with bank credit level. Secondly, since the presence of appropriate risk compensation, the expected return rate under guarantee will be lower than that without any guarantee. Thirdly, the expected return rate of fixed-income financial products is lower, while the floating rate turns out to be higher. In other words, the return expected return rate is negatively correlated with the mobility.